Important Medicare information
The Medicare Safety Net — check you are registered
This is separate from our fees. It explains a Medicare program
that may reduce your eligible out-of-pocket costs after you
reach a yearly threshold.
80%
of eligible out-of-pocket costs after the threshold, up to
the service cap
Calendar year
eligible costs across all providers can count; thresholds
reset on 1 January
Families register
family registration is not automatic, even on the same
Medicare card
This is the single most useful thing most patients can do to
reduce what they spend on medical care over a year, and it is
routinely missed. The Extended Medicare Safety Net (EMSN) counts
the out-of-pocket cost of every Medicare-eligible service you
receive outside hospital across a calendar year — GP and
specialist consultations, imaging, pathology — from all
providers, not just this practice. Once you pass the threshold, Medicare
pays 80% of your out-of-pocket costs for the rest of that calendar
year, up to a capped amount for each service.
Extended Medicare Safety Net thresholds for 2026 |
EMSN threshold 2026 | Yearly out-of-pocket costs Out-of-pocket costs in the calendar year |
| Concession card holders and families receiving Family Tax Benefit (Part A) | $861.20 |
| Everyone else | $2,699.10 |
Thresholds are set by Services Australia and indexed on 1
January each year. Both thresholds reset to zero on 1 January.
Please confirm these figures yourself
This section is general information, not financial advice, and
it is not a statement of what you personally will be paid.
Medicare Safety Net thresholds, benefit amounts and benefit
caps are set by the Commonwealth and change without notice to
us. Whether you have reached a threshold depends on your own
claiming history across every provider you have seen, your
concession status and your family registration — none of which
we can see.
Before relying on any figure on this page, check your current
position directly with Services Australia through your
Medicare online account, the Express Plus Medicare app, or by
phoning 132 011. Services Australia is the authoritative
source, and their advice overrides anything stated here.
Medicare Safety Nets — Services Australia
What this looks like in practice
Before the Safety Net
$192.90 out of pocket
After the threshold in this example
About $38.58
Suppose you have reached your threshold partway through the
year. A review consultation here costs $280, Medicare rebates
$87.10, leaving $192.90 out of pocket. The Safety Net then
pays 80% of that $192.90 — a further $154.32 — so your actual
cost for that appointment falls to about $38.58. A new
consultation billed under item 36 falls from $312.90 to
roughly $62.58, and a short treatment consultation from
$104.95 to roughly $20.99.
There is a ceiling on the Safety Net payment itself — not on
what you are charged, but on the maximum extra benefit
Medicare will pay for any one service. For consultation items
that ceiling is 300% of the Medicare schedule fee, or $500,
whichever is lower: $261.30 for item 36, $135.15 for item 23,
$385.05 for item 44. You receive either 80% of your
out-of-pocket cost or that ceiling, whichever is the smaller
amount. At our current fees the 80% figure is the smaller one
in every case, so the ceiling does not reduce your benefit and
the full 80% applies.
These are worked examples, not a quote. Your position depends
on your own claiming history across all providers, and the
schedule fees these caps are calculated from are indexed each
1 July.
The action most families miss
Worth doing today: register as a family
Individuals are counted automatically and need do nothing.
Couples and families are not — you must register with Services
Australia for your costs to accumulate together, and this is
required even when everyone is already listed on the same
Medicare card. Registration takes a few minutes, is a one-off
unless your family circumstances change, and is the step most
people miss.
Only costs you have actually paid count towards a Safety Net
threshold. Because accounts here are settled in advance or on
the day, every dollar you spend with us counts automatically.